RITM vs STWD vs TPTS Stock Comparison

Rithm Capital, Starwood Property Trust and Terra Property Trust Prices as of Nov 3, 2026 Peers: Industry group
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RITM Rithm Capital Corp.
$9.22 +5.7% 1M -16.7% 1Y
Market cap
$5.32B
P/E
14.9x
Revenue (TTM)
$5.70B
Div. yield
–
Mortgage REITs Financial Services
6 wins

Head to Head

12 decided of 12

Rithm Capital leads on 6 of the 12 questions below (Rithm Capital 6, Starwood Property Trust 5, Terra Property Trust 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionRITMSTWDTPTSLeader
Larger companyMarket capitalisation $5.32B $4.75B $319.59M RITM
Cheaper on earningsLower P/E, profitable companies only 14.9x 20.8x -8.8x RITM
Cheaper on forward earningsLower price / next fiscal year consensus EPS 4.1x 9.1x — RITM
Faster revenue growthRevenue growth, trailing twelve months +17.0% +11.8% -50.3% RITM
More profitableNet margin, trailing twelve months 6.3% 11.4% -164.0% STWD
Better return on capitalReturn on invested capital 1.4% 7.0% -6.8% STWD
Less leveragedLower net debt / EBITDA 22.2x 7.5x -8.8x TPTS
Higher dividend yieldTrailing dividend yield 0.00% 0.15% 0.02% STWD
Better 1-year returnPrice return, last 12 months -16.7% -30.9% — RITM
Better 5-year returnAnnualised price return, 5 years -4.2%/yr -13.4%/yr — RITM
Less volatileAnnualised volatility, 1 year 26.6% 20.3% 42.2% STWD
Higher overall scoreMean of the five percentile scores vs peers 32/100 44/100 18/100 STWD

Percentile Scorecard

RITMSTWDTPTS

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisRITMSTWDTPTS
Valuation 40 #102 of 168 55 #77 of 168 6 #158 of 168
Growth 33 #110 of 163 41 #96 of 163 13 #142 of 163
Profitability 34 #102 of 154 52 #75 of 154 9 #141 of 154
Financial Health 32 #111 of 162 33 #109 of 162 60 #66 of 162
Shareholder Returns 24 #105 of 137 38 #86 of 137 1 #136 of 137
Overall 32 44 18
  • RITM ranked among 173 companies in Lending and Credit
  • STWD ranked among 173 companies in Lending and Credit
  • TPTS ranked among 173 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodRITMSTWDTPTSSPY
1 month +5.7%-4.1%-9.6% -2.0%
3 months -10.0%-22.9%-21.4% -2.2%
6 months -4.9%-31.4%— +4.2%
Year to date -15.4%-30.4%— +10.6%
1 year -16.7%-30.9%— +10.4%
3 years -6.8%-34.6%— +73.6%
3 years, per year -2.3%-13.2%— +20.2%
5 years -19.2%-51.3%— +61.6%
5 years, per year -4.2%-13.4%— +10.1%
10 years -33.6%-42.9%— +261.3%
10 years, per year -4.0%-5.5%— +13.7%

Risk

MeasureRITMSTWDTPTSSPY
Volatility, 1Y 26.6%20.3%42.2% 12.8%
Downside volatility, 1Y 26.9%21.3%51.1% 12.8%
Beta vs S&P 500, 1Y 0.720.280.70 1.00
Return / volatility, 1Y -0.63-1.52— 0.81
Max drawdown, 5Y -39.2%-54.4%-43.3% -25.4%
From 52-week high -23.5%-32.7%-39.6% -3.2%
52-week high $12.06$18.61$21.70 $779.14
52-week low $8.36$11.98$12.30 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleRITMSTWDTPTS
P/E now vs peer median 14.4xmedian 11.8x 20.1xmedian 11.8x -8.8xmedian 11.8x
P/S now vs peer median 0.9xmedian 2.7x 2.3xmedian 2.7x 14.4xmedian 2.7x
EV/EBITDA now vs peer median 25.9xmedian 13.1x 10.0xmedian 13.1x -36.4xmedian 13.1x
P/FCF now vs peer median -2.6xmedian 6.0x -11.7xmedian 6.0x -265.0xmedian 6.0x
P/B now vs peer median 0.6xmedian 0.7x 0.7xmedian 0.7x 2.5xmedian 0.7x
PEG now vs peer median -0.59median 0.33 -0.68median 0.33 0.76median 0.33

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsRITMSTWDTPTS
Revenue $5.70B $2.01B $22.17M
Operating income – – -$16.77M
Net income $529.24M $264.72M -$36.36M
Free cash flow -$2.01B -$397.40M -$1.20M
EPS (diluted) $0.63 $0.62 $-1.49
Cash & equivalents – $367.59M $9.70M
Total debt $30.15B $14.00B $111.42M
Shares (diluted) 572.82M 366.73M 24.34M
Enterprise value $5.32B $3.29B $254.35M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricRITMSTWDTPTS
P/E 14.4x 20.1x -8.8x
P/FCF -2.6x -11.7x -265.0x
P/Operating cash flow -3.6x 4.3x -265.0x
P/S 0.9x 2.3x 14.4x
P/B 0.6x 0.7x 2.5x
P/Tangible book 0.6x 0.7x 2.5x
EV/EBITDA 25.9x 10.0x -36.4x
EV/EBIT 34.3x 11.1x -25.1x
EV/Revenue 6.2x 9.1x 19.0x
EV/FCF -17.6x -46.0x -349.6x
EV/Operating cash flow -24.7x 16.8x -349.6x
PEG (3Y EPS CAGR) -0.59 -0.68 0.76

Growth

14 metrics
MetricRITMSTWDTPTS
Revenue growth (1Y) 17.0% 11.8% -50.3%
Revenue CAGR (3Y) 14.2% 2.7% -30.3%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – -20,547%
Operating income CAGR (3Y) – – -76.3%
Net income growth (1Y) -42.4% -33.4% -7.3%
Net income CAGR (3Y) -13.0% -26.8% -11.6%
EPS growth (1Y) -55.6% -43.3% -7.3%
EPS CAGR (3Y) -24.4% -29.7% -11.6%
Operating cash flow growth (1Y) 51.3% 58.3% -119.8%
Operating cash flow CAGR (3Y) -41.4% 76.6% -28.7%
Free cash flow growth (1Y) 38.1% -160.2% -119.8%
Free cash flow CAGR (3Y) -47.7% -5.4% 69.7%

Profitability

14 metrics
MetricRITMSTWDTPTS
Gross margin – – –
EBITDA margin 23.9% 90.6% -52.1%
Operating margin – – -75.7%
Pretax margin 17.0% 14.9% -120.2%
Net margin 6.3% 11.4% -164.0%
FCF margin -35.2% -19.8% -5.4%
Operating cash flow margin -25.1% 54.3% -5.4%
Return on equity 5.8% 3.8% -21.4%
Return on assets 1.0% 0.4% -10.3%
Return on invested capital 1.4% 7.0% -6.8%
Return on capital employed – – –
Asset turnover 0.1x 0.0x 0.1x
Cash conversion (OCF / net income) -2.7x 4.1x 0.0x
Stock comp / revenue – 2.7% –

Financial Health

11 metrics
MetricRITMSTWDTPTS
Debt / assets 53.2% 22.9% 44.6%
Debt / equity 3.3x 2.1x 0.9x
Net debt / EBITDA 22.2x 7.5x -8.8x
Debt / FCF -15.0x -35.2x -92.6x
Liabilities / assets 83.9% 88.8% 49.3%
Equity / assets 16.1% 11.2% 50.7%
Interest coverage 16.6x 1.2x -1.8x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricRITMSTWDTPTS
Dividend yield 10.8% 15.3% –
Net buyback yield -4.7% -10.9% –
Shareholder yield 6.2% 4.4% –
Payout ratio (earnings) – 264.4% -15.5%
Payout ratio (FCF) – -176.1% -466.9%
Dividend growth (1Y) – 9.2% -65.5%
Dividend CAGR (3Y) – 5.4% -31.8%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusRITMSTWDTPTS
Forward P/E 4.1xFY2026 9.1xFY2026 –
EPS, next fiscal year $2.26FY2026 $1.37FY2026 –
EPS growth, next FY -3.8%FY2026 -18.9%FY2026 –
EPS growth, the year after +1.3% +29.2% –
Revenue, next fiscal year $5.78BFY2026 $1.99BFY2026 –
Revenue growth, next FY +25.9%FY2026 +8.4%FY2026 –
Revenue growth, the year after +5.8% +22.4% –

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersRITMSTWDTPTS
Held by institutions 58.7% 50.0% –
Institutions holding 512 518 –
Change in shares held, QoQ -1.7% +1.0% –
Institutions buying 247 256 –
Institutions selling 176 163 –
Buyers to sellers 1.40 1.57 –

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

RITMSTWDTPTS
RITM 1.00 0.57 0.22
STWD 0.57 1.00 0.26
TPTS 0.22 0.26 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, RITM, STWD and TPTS?

Rithm Capital (RITM) is the largest by market capitalisation: Rithm Capital (RITM) $5.32B, Starwood Property Trust (STWD) $4.75B, Terra Property Trust (TPTS) $319.59M.

Which stock is cheaper, RITM, STWD and TPTS?

Rithm Capital (RITM) trades on the lowest price-to-earnings ratio (Rithm Capital (RITM) 14.9x, Starwood Property Trust (STWD) 20.8x, Terra Property Trust (TPTS) -8.8x). On next year's consensus earnings, Rithm Capital (RITM) is cheapest (Rithm Capital (RITM) 4.1x, Starwood Property Trust (STWD) 9.1x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Rithm Capital (RITM) grew revenue fastest over the trailing twelve months: Rithm Capital (RITM) +17.0%, Starwood Property Trust (STWD) +11.8%, Terra Property Trust (TPTS) -50.3%.

Which company is more profitable?

Starwood Property Trust (STWD) has the highest net margin (Rithm Capital (RITM) 6.3%, Starwood Property Trust (STWD) 11.4%, Terra Property Trust (TPTS) -164.0%). On return on invested capital, Starwood Property Trust (STWD) leads (Rithm Capital (RITM) 1.4%, Starwood Property Trust (STWD) 7.0%, Terra Property Trust (TPTS) -6.8%).

Which stock has performed better?

Over the past year Rithm Capital (RITM) returned the most: Rithm Capital (RITM) -16.7%, Starwood Property Trust (STWD) -30.9%. Over five years, Rithm Capital (RITM) compounded fastest (Rithm Capital (RITM) -4.2%/yr, Starwood Property Trust (STWD) -13.4%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Starwood Property Trust (STWD) has the highest dividend yield: Rithm Capital (RITM) 0.00%, Starwood Property Trust (STWD) 0.15%, Terra Property Trust (TPTS) 0.02%. Rithm Capital (RITM) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Starwood Property Trust (STWD) has been the steadiest (Rithm Capital (RITM) 26.6%, Starwood Property Trust (STWD) 20.3%, Terra Property Trust (TPTS) 42.2%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, RITM, STWD and TPTS?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Rithm Capital (RITM) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.